其成因有外汇占款比重过大，经济增长不平衡，社会保障机制不健全，居民储
蓄倾向高，社会现金需求比例下降以及银行风险控制下的信贷约束等原因。接
着，文章借鉴了日本商业银行治理流动性过剩的经验教训，对J银行流动性过剩
问题从宏观和微观两方面提出了政策建议和解决路径。
关健词：
存贷比，流动性过剩，商业银行
Abstract
Analysis on Excess Liquidity of One Bank based on Loan-to-deposit
Ratio
The Index of loan-to-deposit ratio of J bank is far below the regulatory level of
the central bank. According to this situation, the article puts forwrd the issues that
excess liquidity has becoming the difficult problem faced by China’s commercial
banks, Firstly, the article reviews the literature concerning with the deposit gap and
the excess liquidity of commercial banks. And analysis the definition related to the
excess liquidity. The conclusion has been made that the problem of excess of liquidity
has been existed in J bank by describing the performance of the liquidity index. Then
the article discusses the impact of J banks’ operation influenced by the excess
liquidity. At the basis of the above analysis, the article concludes the reasons for the
excess liquidity of J banks. Foreign exchange position、economics of inequality、
imperfect social security system 、 high household savings 、 the declining of
requirement of cash and the credit control of risk management of commercial banks.
At last the article suggests the solutions to the excess of liquidity from macrocosmic
and microcosmic background based on the lessons of Japanese commercial banks
controlling the excess liquidity.
Keyword:
Loan-to-deposit Ratio，excess liquidity ,commercial banks。。。
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